                    &   Frequency&     Percent&Cum. Percent\\
\hline \\  Q1. According to you, are the contributions made to an RRSP or to a TFSA deductible \\ from taxable income?&            &            &            \\
\(\qquad\) Correct : RRSP only&       2,189&       72.85&       72.85\\
\(\qquad\) Wrong: TFSA only&         145&        4.83&       77.67\\
\(\qquad\) Wrong : both&         382&       12.71&       90.38\\
\(\qquad\) Wrong: none&         112&        3.73&       94.11\\
\(\qquad\) Don't Know&         150&        4.99&       99.10\\
\(\qquad\) Refuse   &          27&        0.90&      100.00\\
\\ Q2. According to you, when money is withdrawn from an RRSP or from a TFSA, is it subject to \\income tax in the year of the withdrawal? Assume the withdrawn amount is not used for the \\ Home Buyers’ Plan (HBP) or the Lifelong Learning Plan (LLP).&            &            &            \\
\(\qquad\) Correct : RRSP only&       2,298&       76.47&       76.47\\
\(\qquad\) Wrong: TFSA only&         112&        3.73&       80.20\\
\(\qquad\) Wrong : both&         310&       10.32&       90.52\\
\(\qquad\) Wrong: none&          73&        2.43&       92.95\\
\(\qquad\) Don't Know&         188&        6.26&       99.20\\
\(\qquad\) Refuse   &          24&        0.80&      100.00\\
\\ Q3. Money invested in an RRSP or in a TFSA can generate returns in the form of interest,  \\ dividends or capital gains. According to you, are these returns subject to income tax in the \\ year during which they were generated?&            &            &            \\
\(\qquad\) Wrong : RRSP only&         719&       23.93&       23.93\\
\(\qquad\) Wrong: TFSA only&         182&        6.06&       29.98\\
\(\qquad\) Wrong : both&         351&       11.68&       41.66\\
\(\qquad\) Correct: none&       1,400&       46.59&       88.25\\
\(\qquad\) Don't Know&         328&       10.92&       99.17\\
\(\qquad\) Refuse   &          25&        0.83&      100.00\\
\\ Q4. According to you, is there a penalty associated with withdrawing money from an RRSP or \\ from a TFSA before retirement? Assume the withdrawn amount is not used for the Home Buyers’ \\ Plan (HBP) or the Lifelong Learning Plan (LLP).&            &            &            \\
\(\qquad\) Wrong : RRSP only&       1,901&       63.26&       63.26\\
\(\qquad\) Wrong: TFSA only&          75&        2.50&       65.76\\
\(\qquad\) Wrong : both&         254&        8.45&       74.21\\
\(\qquad\) Correct: none&         509&       16.94&       91.15\\
\(\qquad\) Don't Know&         239&        7.95&       99.10\\
\(\qquad\) Refuse   &          27&        0.90&      100.00\\
\\ Q5. Let’s assume you withdraw \$1,000 from an RRSP or from a TFSA. According to you, will this withdrawn \\ amount be added to your future contribution room? &            &            &            \\
\(\qquad\) Wrong : RRSP only&         468&       15.57&       15.57\\
\(\qquad\) Correct: TFSA only&         746&       24.83&       40.40\\
\(\qquad\) Wrong : both&         546&       18.17&       58.57\\
\(\qquad\) Wrong: none&         558&       18.57&       77.14\\
\(\qquad\) Don't Know&         656&       21.83&       98.97\\
\(\qquad\) Refuse   &          31&        1.03&      100.00\\
